Sold
4569 Terra Lane, St. Joseph, MI 49085
Sold on 09/29/2025 for$454,200
MLS # 25023463 (Michigan Regional Information Center (MichRIC))
5 beds4 baths4,280 sqftBuilt 19961.24 acres
1 / 71
Listing Description
Expansive living spaces in this open two story ravine lot home in St. Joseph. The large wrap around porch invites your family into this beautiful home. 5 beds, 3.5 baths and nearly 4300 finished square feet to enjoy. Vaulted ceilings, stone fireplace and bright windows in the large family room. Eat in kitchen with new stainless steel appliances, island and pantry. Half bath and laundry on main level between kitchen and attached garage. Massive bedrooms, including main floor master with glass doors to new wooden deck and more. Hardwood floors. Finished basement with plenty of rec space, 5th bedroom, huge bathroom and plenty of storage. 6th sleeping room in basement (no egress.) Rear deck overlooks the 1 acre ravine lot and Yellow Creek. New fence, HVAC and water heater!
Source: SparkMLS
About this home
This 5-bedroom, 4-bath, 4,280 sq ft home built in 1996 sits in Royalton Township in St. Joseph.
This home sold for $454,200 (about $106/sq ft).
Property tax estimate: $4,699 per year ($392/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Broadband is available with download speeds up to 1,200 Mbps from 8 providers. Electric service is provided by Indiana Michigan Power Company; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms4
Living Area4,280 sqft
Lot Size1.24 acres
Year Built1996
Stories2
Location
CitySt. Joseph
MunicipalityRoyalton Twp
Zip Code49085
CountyBerrien
School DistrictSt. Joseph Public Schools
Construction & Systems
StyleTraditional
ConstructionBrick, Vinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Garage Door Opener, Eat-in Kitchen, Pantry
Sale & Financing
Listed5/21/2025
Sold Date9/28/2025
Original Price$519,900
Terms AcceptedCash, FHA, VA Loan, Conventional
Concessions$8,000
Source: SparkMLS
Tax Information
Annual Tax$4,699
Tax Year2024
Assessed Value$177,336
Parcel #11-17-9310-0065-00-1
Source: SparkMLS
Legal Description
LOT 65 YELLOW CREEK NO 1
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by The Petzke Team
RE/MAX by the Lake
Frequently Asked Questions about 4569 Terra Lane, St. Joseph, MI 49085
What school district is 4569 Terra Lane, St. Joseph, MI 49085 in?
Per MLS# 25023463, this property is served by St. Joseph Public Schools. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 4569 Terra Lane, St. Joseph, MI 49085?
Per MLS# 25023463, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 25023463, the most recent reported annual property tax for 4569 Terra Lane, St. Joseph, MI 49085 is $4,699 (2024). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 4569 Terra Lane, St. Joseph, MI 49085 eligible for USDA financing?
Per USDA Rural Development boundary data, 4569 Terra Lane, St. Joseph, MI 49085 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 4569 Terra Lane, St. Joseph, MI 49085 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Is fiber internet available at 4569 Terra Lane, St. Joseph, MI 49085?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 4569 Terra Lane, St. Joseph, MI 49085. The maximum advertised download speed is 1.2 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Royalton Twp police department or the Berrien County sheriff's office.
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Monthly payment$3,113
Principal & interest$3,113
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1.2 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessSatelliteDSL
8 providers at this address
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1.2 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsT-MobileLicensed Fixed Wireless
100 MbpsViasat IncSatellite
100 MbpsAT&TDSL
75 MbpsHughesNetSatellite
50 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4569 Terra Lane, St. Joseph, MI 49085
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Municipality
Royalton Township
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